文献类型：期刊文献

中文题名：中小企业融资需求结构分析及相应的对策研究

英文题名：A Study on the Structure of Financing Demand of Small and Medium Enterprises and the Counter-measures

作者：骆守俭[1];尹邦奇[2];傅小婧[3];陈正辉[3];陈青青[3]

机构：[1]华东理工大学商学院;[2]上海市科技奖励中心;[3]华东理工大学

年份：2009

卷号：14

期号：8

起止页码：58

中文期刊名：金融论坛

外文期刊名：Finance Forum

收录：北大核心:【北大核心2008】；CSSCI:【CSSCI2008_2009】；

基金：上海市科技发展基金资助项目(沪科奖200801)

语种：中文

中文关键词：中小企业;融资难;融资对策

外文关键词：small and medium enterprises; difficulty in financing; counter-measures for financing

摘要：中小企业作为国民经济的重要组成部分,长期以来面临着融资难的问题。不同企业在资金需求的类型上存在明显差异,中小企业融资需求可以划分为3种基本类型:研发融资需求、流动资金融资需求和固定资产融资需求。本文对各类融资需求进行了进一步分析,发现不同融资需求应区别对待:研发融资需求是政府应给予重点关注的对象;流动资金融资需求,应从金融体制改革上着手;固定资产融资需求的解决更需要依赖于市场经济的力量,通过市场竞争机制优胜劣汰。最后作者针对中小企业的三类融资需求,提出了相应的管理对策和建议。
As an important part of the national economy, small and medium enterprises have been saddled with difficulty in financing for a long period of time. There arc significant differences in financing demand among different enterprises, which can be classified into three types： R＆D financing, working capital financing and fixed asset financing. The paper makes an in-depth analysis on those financing demand and proposes that various financing demand should be treated with different policies： R＆D financing demand should attract the most significant attention from the government; the financing demand for working capital should be resolved by the reform of financial system; the financing demand for fixed assets should rely on the force of the market economy, a competitive mechanism of survival of the fittest. Centering on the three types of financing d mand, the paper further puts forward several, management counter-measures and suggestions.